Chuck’s RV Insurance Answers: Beyond Tailgating

January 1, 2013

Hi Chuck,

I’m an avid football fan who also enjoys the occasional country concert at an outdoor stadium/pavilion. I love to pile food and friends into my RV to cheer on the team and go to campsites all over the country as my vacation schedule allows. So I need your advice: will seasonal insurance be enough for the way I use my RV? And should I look for any specific language in my coverage to account for weather-related damage as it pertains to winter travel?

– Sam in Willoughby, OH


Thanks for writing in, and I hope you see a lot of concerts and winning games this year. Looking beyond seasonal coverage is a smart investment. ‘Comprehensive and Collision’ not only covers the cost to repair or replace your RV if it’s damaged or stolen, but also covers damage to your RV caused by a fire, theft or vandalism.

You have three options to insure your RV if it’s totaled:

1. Market Value — pays for the actual cash value of your RV at the time of loss. Market Value is also called the Actual Cash Value policy and pays you the market value of your RV at the time of loss. It provides for the current market value of your unit and can be prone to market fluctuations in values. If you choose this coverage, make sure you take the time to research the accurate value through commonly available sources such as NADA, RV Trader, Price Digest and local dealers.

2. Agreed Value — pays the value of your RV that you select at the start of your policy, regardless of the current market value. This is a valuable choice if you want to make sure you receive a certain amount for your RV if it’s ever lost or damaged beyond repair.

3. Total Loss Replacement Cost (TLR) — pays for replacement of your RV with the newest model if your RV is declared a total loss within its first five model years. After 5 years, you will receive the purchase price of your RV for as long as you keep your policy. TLR is a valuable coverage because most companies that offer it will deliver another unit to you if yours is lost or damaged beyond repair during the first 5 years of the policy (very convenient).

You also mentioned winter travel, which is when ‘Roadside Assistance’ would come in very handy in most situations, including:

• Mechanical or electrical breakdown
• Battery failure
• Running out of fuel, oil, water or other fluids
• Flat tires
• Getting locked out of your RV
• Getting stuck in snow, mud, water or sand within 100 feet of the roadway

This coverage is available 24/7 and extends to trailers and vehicles you’re towing, and you pay nothing out of pocket.

Tailgating is a common use for RVs and many enthusiasts enjoy taking a little bit of home with them to the gam, or event. When you’ve invited people to share the events with you, Vacation Liability insurance is also a smart and inexpensive coverage you should maintain. Vacation Liability provides coverage for injury to others that occurs in, or around your RV and can be purchased with limits to match more common deductibles on your umbrella policies.

Safe travels,


Got an insurance question for Chuck? Email it to and he’ll answer his favorites.

Chuck Mozingo enjoys RVing with his wife, two kids and their dog Scout. They enjoy RVing locally in Cleveland, as well as heading north to Whittier, Alaska to their favorite spot, Williwaw Campground. When RVing, Chuck can’t live without his iPod, s’mores and family thumb war tournaments. When he’s not hitting the open road, Chuck is the RV Product Manager for Progressive Insurance, where he has worked for nearly 20 years.

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